Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what Highline FIA would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$281,436
Est. value at age 80 (Highline FIA)
10.05%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 21.5% Cap (2-yr point-to-point)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Highline FIA's published cap rate (21.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.
Free Comparison Report
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See how Highline FIA compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.
One filing offers multiple surrender-term choices, each with a broad fixed, cap, and participation strategy menu.
The menu spans a plain S&P 500 cap plus several volatility-managed and thematic index choices at annual and multi-year cadences.
What to confirm
Multi-year cap and participation figures are not annualized and should not be compared directly with the headline annual cap.
A market value adjustment applies during the selected surrender term, and the standard death benefit is not enhanced.
Not ideal for
Buyers who need a guaranteed lifetime-income rider or who may require full access during the surrender term.
Free Comparison Report
Get a Highline FIA rate report
See how Highline FIA compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 100% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrender$100,000+
Par: 85% · 1-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrender$100,000+
Par: 70% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrender$100,000+
Par: 60% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender$100,000+
Par: 57% · 1-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 10.05% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Fixed: 5.05% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 140% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrender$100,000+
Par: 135% · 2-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrender$100,000+
Par: 100% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrender$100,000+
Par: 90% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
5-yr surrender$100,000+
Par: 70% · 2-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 21.5% · 2-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Fixed: 5.05% · 2-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 95% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrenderUp to $99,999.99
Par: 65% · 1-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrenderUp to $99,999.99
Par: 45% · 1-yr
S&P 500 Index
participation
5-yr surrenderUp to $99,999.99
Cap: 9.05% · 1-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Fixed: 4.25% · 1-yr
Fixed Account
fixed
5-yr surrenderUp to $99,999.99
Par: 135% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
5-yr surrenderUp to $99,999.99
Par: 130% · 2-yr
DB Foresight X-Asset 10 Index
participation
5-yr surrenderUp to $99,999.99
Par: 95% · 2-yr
Nasdaq-100 Bitcoin Trends 15% Index
participation
5-yr surrenderUp to $99,999.99
Par: 55% · 2-yr
S&P 500 Index
participation
5-yr surrenderUp to $99,999.99
Cap: 19.5% · 2-yr
S&P 500 Index
cap
5-yr surrenderUp to $99,999.99
Fixed: 4.25% · 2-yr
Fixed Account
fixed
5-yr surrenderUp to $99,999.99
Par: 105% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
7-yr surrender$100,000+
Par: 90% · 1-yr
DB Foresight X-Asset 10 Index
participation
7-yr surrender$100,000+
Par: 65% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
7-yr surrender$100,000+
Par: 145% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
7-yr surrender$100,000+
Par: 140% · 2-yr
DB Foresight X-Asset 10 Index
participation
7-yr surrender$100,000+
Par: 95% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
7-yr surrender$100,000+
Par: 110% · 1-yr
NASDAQ-100 Volatility Control 7% Index
participation
10-yr surrender$100,000+
Par: 95% · 1-yr
DB Foresight X-Asset 10 Index
participation
10-yr surrender$100,000+
Par: 150% · 2-yr
DB Foresight X-Asset 10 Index
participation
10-yr surrender$100,000+
Par: 150% · 2-yr
NASDAQ-100 Volatility Control 7% Index
participation
10-yr surrender$100,000+
Par: 100% · 2-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
10-yr surrender$100,000+
Accumulation profile
Accumulation-focused contract
Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
Common questions about Highline FIA
● Can I lose money in Highline FIA?
A negative index return by itself does not reduce the contract's account value: Highline FIA credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Highline FIA's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current Highline FIA strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2
Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
1.40%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9.3%
Yr 2
8.4%
Yr 3
7.5%
Yr 4
6.6%
Yr 5
5.7%
Yr 6
4.7%
Yr 7
3.8%
Yr 8
2.8%
Yr 9
1.9%
Yr 10
0.9%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Documents
Carrier documents not available for this product
Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.
Carrier Ratings
AM BestA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Highline FIA currently shows 36 indexed or fixed crediting options, including S&P 500 Index, with 20 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 10.05% annual cap
S&P 500 Index: 9.05% annual cap
S&P 500 Index: 57% annual participation rate
S&P 500 Index: 45% annual participation rate
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
10 surrender years
Nursing home waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
This page uses the current structured product data returned for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get a Highline FIA rate report
See how Highline FIA compares for your age, state, premium, and income goals alongside other Axonic Insurance Services (AIS) fixed indexed annuity options.